# Maryland motorcycle insurance for riders who know the roads.

Canonical page: https://www.roamly.com/states/motorcycle-insurance-maryland

From the Catoctin Mountain curves on MD-77 to Savage River Road in Garrett County, Roamly works with carriers who understand how Marylanders actually ride.

### Maryland at a Glance

| **Requirement** | **Details** |
| --- | --- |
| **Minimum liability** | 30/60/15 ($30k bodily injury per person, $60k per accident, $15k property damage). Uninsured motorist coverage at no less than those minimums is required and can't be rejected. |
| **Helmet law** | Required for every operator and passenger, at every age. Operators also need approved eye protection unless the bike has a windscreen. |
| **Lane splitting** | Illegal. Maryland law bars riding between lanes of traffic or rows of vehicles, and since October 1, 2025, lane splitting counts toward an aggressive-driving charge. |
| **Inspection** | Safety inspection only when a used bike is sold, titled, or transferred (the certificate is good for 90 days). Motorcycles are exempt from emissions testing. As of September 2026, motorcycle registration is $65 a year, plus a $40-a-year state surcharge collected with it. |

*Requirements and regulations may change. Verify with the Maryland Insurance Administration and the Maryland Motor Vehicle Administration for the most current information.*

## What you need to know about Motorcycle Insurance in Maryland

Maryland requires a helmet on every rider, lets insurers leave PIP off motorcycle policies, and fines owners for every day a registered bike goes uninsured. Here's what actually shapes your policy.

**Maryland's 30/60/15 Minimum**

The state requires $30k/$60k bodily injury and $15k property damage. You also have to carry uninsured motorist coverage at no less than those same minimums, and it can't be rejected. We'll help you figure out what makes sense for how you ride.

### Agreed Value for Custom Builds

Your Street Bob with the mini-apes and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.

### Peer-to-Peer Rental Coverage

Riders from Baltimore and beyond head west for the Catoctin Mountains every weekend. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.

### SR-22 Filing When Needed

Maryland doesn't use SR-22 filings — if the MVA flags a gap in your coverage, it asks for an FR-19 form from your insurer instead. If another state's SR-22 requirement follows you here, you'll usually need to keep it active until it ends. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.

### Protection Beyond Basics

| **Type** | **Details** |
| --- | --- |
| **Mechanical Breakdown Coverage** | Engines fail at the worst times — like on Savage River Road in Garrett County, far from the nearest shop. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
| **Riding Gear Coverage** | Helmets, jackets, boots, and gloves — and in Maryland, the helmet isn't optional for you or your passenger. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
| **Agreed Value for Custom Builds** | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |

## Rent Your Bike Without Losing Coverage

From the Catoctin Mountain loop to the Hoopers Island roads on the Eastern Shore, Maryland draws riders from out of state all season. Listing your bike on Twisted Road or Riders Share can help it earn its keep between your own rides, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.

## What Maryland Actually Requires

**Maryland mandates 30/60/15 liability coverage plus uninsured motorist coverage.** That's $30k per person and $60k per accident for bodily injury and $15k for property damage, plus uninsured motorist coverage at least that high. Maryland is an at-fault state, and while car policies carry $2,500 of PIP, insurers can leave PIP off a motorcycle policy — so check whether yours has it, and ask about medical payments coverage if it doesn't. Add a helmet for you and your passenger every time, and eye protection unless the bike has a windscreen. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.

## Custom Builds Get Real Value

**You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension.** Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.

### LEGAL DISCLAIMERS

*Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions.* ***Maryland law references current as of September 2026 — confirm current requirements with the Maryland Insurance Administration and the Maryland Motor Vehicle Administration.***

## Frequently asked questions

### What's the minimum motorcycle insurance required in Maryland?

Maryland requires 30/60/15 liability coverage: $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. Uninsured motorist coverage at no less than those amounts is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Maryland Insurance Administration.

### Do I have to wear a helmet in Maryland?

Yes. Maryland has a universal helmet law — every operator and passenger, at every age, needs a helmet that meets the federal DOT standard. The only exception is riding in an enclosed cab. Operators also need approved eye protection unless the motorcycle has a windscreen.

### How much does motorcycle insurance cost in Maryland?

It depends on your bike, riding history, where you live, and the coverage you pick. Whether your policy includes PIP or medical payments coverage, and whether you add collision or comprehensive, will change the price. A personalized quote takes a few minutes and gives you the real number.

### Does Roamly cover peer-to-peer rentals like Twisted Road?

Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.

### Will you insure my custom build at real value?

Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.

### Do I need full coverage or just liability?

Liability plus uninsured motorist coverage is what Maryland requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.

### What if I need SR-22 in Maryland?

Maryland doesn't use SR-22 filings. If the MVA finds a gap in your coverage, it asks for an FR-19 form — which your insurer must provide free of charge — showing you were insured. If a suspension in another state left you with an SR-22 requirement, you'll usually need to keep it active until that state's obligation ends. Roamly works with carriers that file SR-22s and can help you keep it in place. Coverage terms, conditions, and availability vary by state and policy.

### Does my credit score affect my rate in Maryland?

It can, but Maryland limits how. For auto policies, insurers can use credit history to rate a new policy, but not to refuse, cancel, or non-renew coverage or to raise your renewal premium. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.

### Can I drop insurance on my bike over the winter in Maryland?

Not without turning in your plates. The MVA fines owners of registered vehicles that go uninsured, even if the bike never leaves the garage — as of September 2026, $200 for the first 30 days, then $7 a day after that, up to $3,500 in a 12-month period. If you cancel coverage and don't replace it, return your plates to stop the penalties. Talk to us before you cancel so you can weigh your options.

## About Roamly

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